What shapes consumer transactions and payment technologies, and where is it going?
Any conventional wisdom about payments—how they’re made, the currencies being used, the cards presently in favor—doesn’t last long before the next wave of technology, innovation, and regulation. Javelin’s analysts conduct research at the forefront of payments, identifying the emerging trends for financial services companies and payments providers and offering insight into how they can best position themselves not just for what is current but also for what is coming.
Payments Research
Reports
The Durbin Amendment: A Future Unclear
The passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act, containing the Durbin Amendment will long be recognized as a seminal event by the U.S. payments industry. As we consider life after debit card interchange fee regulati...
The Canadian Credit Card Market: Tough Sledding
The Canadian Credit Card Market: Tough Sledding
Durbin = Debit? Think Again
The recently enacted Durbin Amendment to the Dodd-Frank Act will unquestionably reshape the U.S. debit card landscape. Though less convulsive changes to credit cards, the Act creates long-term possibilities for significant change to credit card ...
The Canadian Debit Market Warning: Contents Under Pressure
he Canadian debit card market has been under increasing pressure in recent years to open itself to new card network schemes.
US Merchant Acquiring 2010: Consolidation at the Top
US Merchant Acquiring 2010: Consolidation at the Top
Understanding Prepaid Regulation: A Framework for Asking the Right Questions
New Research Provides Detailed Overview of Complex Prepaid Card Regulatory Landscape
Understanding Restricted Authorization Networks: Cards Between Closed and Open Loops
Understanding Restricted Authorization Networks:Cards Between Closed and Open Loop
When The Regulatory Dust Settles, What Do We See?
The CARD Act will change the shape of the gift card business, but the industry may benefit. When President Obama signed the Credit Card Accountability Responsibility and Disclosure Act of 2009 into law last May, he kicked up a dust storm in the ...
Merchant-level Sales Shake-up Ahead
The headlong dive to the pricing bottom by ISOs selling card acceptance services over the last few years has cheapened the service (in all senses), clobbered portfolio values and left sales reps with a single point of differentiation. The collis...
The CARD Act of 2009: The Regulation That Keeps On Giving
The credit card industry might have breathed a collective sigh of relief when the main implementation deadline of February 22, 2010 was in the rear view mirror. The operative word is "might." The third installment of Fed revisions to Reg Z take ...